If I'm using Epic FlexPay, can I pay early or switch to paying in full? Yes, you can make additional payments to pay down your balance or pay off your purchase in full. You can pay off your loan at any time without paying a penalty or fee on pay.uplift.com. Related articles I paid the $49 down payment in the Spring, when do I pay the rest? How do I make Epic FlexPay payments? When do my payments start? How do I apply for Epic FlexPay? When is my next Epic FlexPay payment?